HDFC Life
Sar Utha Ke Jiyo
HDFC Life is one of India's leading life insurance companies, a joint venture between HDFC Ltd and Abrdn plc. Known for innovative products and excellent customer service.
2000
Founded
99.39%
Claims Ratio
11
Insurance Plans
4.8★
Customer Rating
Term Insurance Plans
Pure protection plans with highest sum assured at lowest premium
HDFC Life Click 2 Protect 3D Plus
India's most popular online term plan - choose your level of protection
₹15/Day
Premium
Up to ₹3 Crore
Coverage
10-50 Years
Policy Term
₹10 Lakh
Min Sum Assured
Benefits
Key Features
- 3D protection - Death, Disability, Disease
- Life stage protection - cover increases at marriage, childbirth
- Whole life option available (cover up to age 85)
- Return of all premiums option
- Global coverage
- Waiver of premium on terminal illness
Available Riders
HDFC Life Click 2 Protect Life
Coverage that grows with your responsibilities
₹18/Day
Premium
Up to ₹2 Crore
Coverage
10-50 Years
Policy Term
₹10 Lakh
Min Sum Assured
Benefits
Key Features
- Increasing sum assured option - cover increases every year
- Level sum assured option
- Decreasing sum assured (for loan protection)
- Return of premium option
- Global accident cover
- Critical illness benefit
Available Riders
Endowment Plans
Guaranteed returns with life protection for conservative investors
HDFC Life Sanchay Plus
Guaranteed returns - what you see is what you get, no market risk
₹130/Day
Premium
Guaranteed Maturity Benefit
Coverage
10-25 Years
Policy Term
₹1 Lakh
Min Sum Assured
Benefits
Key Features
- Guaranteed additions of ₹55 per 1000 Sum Assured per year
- Guaranteed maturity benefit - no market risk
- Limited premium paying term options
- Loan facility available
- Tax benefits under Section 80C & 10(10D)
- Waiver of premium on death of policyholder
Available Riders
HDFC Life Sanchay
Pay for 5-10 years, get guaranteed income for 25-30 years
₹110/Day
Premium
Guaranteed Income for 25-30 Years
Coverage
8-15 Years
Policy Term
₹2 Lakh
Min Sum Assured
Benefits
Key Features
- Guaranteed lump sum payout at maturity
- Option to receive income for 25/30 years
- Guaranteed additions every year
- Loan facility available
- Tax benefits under Section 80C & 10(10D)
- Flexible death benefit payout
Available Riders
Money Back Plans
Regular cash backs during policy term for your financial goals
HDFC Life Money Back Plan Plus
Get regular cash backs while your family stays protected
₹70/Day
Premium
₹10 Lakh + Bonus
Coverage
15-20 Years
Policy Term
₹1 Lakh
Min Sum Assured
Benefits
Key Features
- 20% of Sum Assured paid every 5 years
- Total 60-80% money back during the term
- Life cover for the full policy term
- Bonus participation from year 1
- Loan facility available
- Critical illness rider available
Available Riders
ULIP / Investment Plans
Market-linked wealth creation with insurance protection
HDFC Life Click 2 Wealth
100% money allocation, loyalty boosts, and 14 fund options - HDFC's best ULIP
₹100/Day
Premium
Market Linked Returns
Coverage
10-30 Years
Policy Term
10x Annualized Premium (min 1.25x for age > 45)
Min Sum Assured
Benefits
Key Features
- 100% allocation from day 1
- Flexible fund switching - unlimited
- Systematic Transfer Plan (STP)
- Loyalty boosts from year 6
- Wealth boosters every 5 years
- Partial withdrawals from year 6
Available Riders
HDFC Life ProGrowth Plus
Automatic rebalancing keeps your portfolio optimized
₹150/Day
Premium
Market Linked Returns
Coverage
10-30 Years
Policy Term
10x Annualized Premium
Min Sum Assured
Benefits
Key Features
- Multiple fund options
- Automatic portfolio rebalancing
- Loyalty additions
- Fund switching facility
- Partial withdrawals
- Tax benefits under 80C & 10(10D)
Available Riders
Pension / Retirement Plans
Secure your retirement with guaranteed lifelong income
HDFC Life Pension Plus
HDFC's trusted pension plan with multiple annuity options
₹180/Day
Premium
Guaranteed Pension for Life
Coverage
Annuity for Life
Policy Term
Minimum ₹10,000/year pension
Min Sum Assured
Benefits
Key Features
- Guaranteed pension for life
- Immediate or deferred annuity
- Joint life option for spouse
- Return of purchase price option
- 7 annuity options
- Tax benefits under Section 80CCC
HDFC Life Click 2 Retire
One-time investment for guaranteed lifetime pension
₹200/Day
Premium
Guaranteed Pension for Life
Coverage
Whole Life
Policy Term
Based on purchase price
Min Sum Assured
Benefits
Key Features
- Single premium pension plan
- Guaranteed pension from next month
- Multiple annuity options
- Joint life option
- Return of capital option
- Tax benefits under Section 80CCC
Health Insurance Plans
Complete health protection with cashless claims across India
HDFC Life Health Shield
High sum insured options with unlimited restoration benefit
₹30/Day
Premium
₹5 Lakh - ₹1 Crore
Coverage
1 Year (Renewable)
Policy Term
₹5 Lakh / ₹10 Lakh / ₹25 Lakh / ₹50 Lakh / ₹1 Crore
Min Sum Assured
Benefits
Key Features
- Cashless claims at 13000+ hospitals
- No claim bonus up to 100%
- Pre-hospitalization (60 days)
- Post-hospitalization (180 days)
- Day care procedures
- Restoration of sum insured
Available Riders
Child Plans
Invest in your child's future with guaranteed education funding
HDFC Life Children's Plan
Premium waiver ensures your child's future is always secure
₹60/Day
Premium
₹12 Lakh + Bonus
Coverage
Child's age 25 years
Policy Term
₹2 Lakh
Min Sum Assured
Benefits
Key Features
- Guaranteed additions every year
- Premium waiver if proposer dies
- Life cover continues without premium
- Bonus participation
- Loan facility available
- Tax benefits under 80C & 10(10D)
Available Riders
Why Choose HDFC Life?
High Claim Settlement
HDFC Life has a claim settlement ratio of 99.39%, ensuring your family gets the benefits when they need it most.
Trusted Brand
With a legacy since 2000, HDFC Life is one of the most trusted insurance brands in India.
Innovative Products
HDFC Life offers 11 innovative insurance solutions across 7 categories tailored to your needs.
Need Help Choosing the Right HDFC Life Plan?
Our AI-powered advisor can help you find the perfect HDFC Life plan from 11 options based on your financial profile and needs.